Half Duplex in 520 Useppa Island Captiva for sale with MLS# C7523816

Water Wings cottage is waterfront, two-stories with Master on the first floor. The open first floor plan allows water views from the kitchen and living/dining areas which open onto a covered/screened porch and an open deck. The second floor features a loft-guest bedroom with bath, and a water view balcony. Both the interior and exterior have been renovated to first class quality. Exterior is Hardi Board, roofing is aluminum and decks are wood. Naturally the construction meets all windstorm resistance codes as the developer is a well-known contractor that has completed numerous high quality homes and renovations on the island over the past 20 years. Interior finishes include granite or marble counters, quality cabinetry and appliances. The entrance to the home is from a driveway of stone pavers and a thoughtfully landscaped yard. There is a shared storage room, a new propane generator and a 500-gallon propane tank. In addition to these fine features, Village owners recently were treated to significant road improvement of layered gravel, and heavily landscaped with mature palms of all types, creating a beautiful, tropical boulevard access. Recently completed multi-family dockage is just steps away and accommodates boats up to 24'. This home is located in the Useppa Village neighborhood on the western shore of the reimagined and redeveloped, private Useppa Island. Featuring the Useppa Island Club and Marina, Useppa Village owners enjoy all the services and amenities of a small town. Useppa is a bridgeless island ensuring privacy and solitude. Yet, there is an active lifestyle of boating and sporting activities for any that wish to participate. The island is known for its outgoing community of residents, and with only 118 homes, the nature of the island will not deviate from the tropical luxury and Old Florida ambiance that create this special place in the sun.

📅 View days on the market

Days on the market

520 Useppa Island, Captiva, FL 33924

Price
Price:
$1,124,900.00
Original List Price:
$1,124,900.00
List Price per Sq Ft (Calculated, Approx.):
$823.5
Property Status and Type
Listing Type:
For Sale
Status:
Active
Listing Category:
Residential
Property Type:
Half Duplex
MLS Number:
C7523816
Rooms Distribution
Bedrooms:
2
Bathrooms Total:
2
Full Bath:
2
Measures
Living Area:
1,366 Sqft
Built-Up Area:
1,556 Sqft
Lot Area:
2,352 Sqft
Building Area Source:
Public Records
Living Area Source:
Public Records
Lot Features:
Floodzone, In County, Private, Historic District, Flood Insurance Required, Near Marina, Landscaped
Lot Size Acres:
0.05
Property Features
View from the Property:
Water
Waterfront:
Yes
Waterfront Features:
Bay/harbor
Security:
Smoke Detector(s), Fire Alarm
Furnished:
Turnkey
Appliances:
Dishwasher, Disposal, Microwave, Refrigerator, Washer, Cooktop, Built-in Oven, Range, Range Hood, Water Filtration System
Interior:
Living Room/dining Room Combo, Open Floorplan, Stone Counters, Thermostat, Window Treatments, Primary Bedroom Main Floor
Exterior:
Balcony, Lighting, Outdoor Grill, Courtyard, Hurricane Shutters, Storage, Private Yard
Patio and Porch:
Deck, Screened, Covered, Front Porch, Rear Porch
Windows:
Double Pane Windows, Insulated Windows, Low-emissivity Windows, Storm Window(s), Insulated Windows
Other Structures:
Storage
Laundry:
In Kitchen
Air Conditioning System:
Zoned, Central Air
Heating System:
Central, Electric
Vegetation and Trees:
Mature Landscaping
Property Entrance Faces:
West
Road Responsibility:
Private Maintained Road
Other Equipment:
Generator, Satellite Dish, Fuel Tank(s), Private Yard
Water Access
Water Access Features:
Bay/harbor
Water Extras
Water Extra Details:
Skiing Allowed
Water View
Water View Details:
Bay/harbor - Full
Construction
Year Built:
1981
Roof:
Metal
Architectural Style:
Key West
Levels:
Two
Construction Materials:
Hardiplank Type
Flooring:
Laminate
Foundation Details:
Stilt/on Piling
Flood Zone Code:
A8
Property Condition:
Completed
Property Description:
End Unit, Elevated, Stilt Home
Taxes and Expenses
Tax Annual Amount:
$10,023.53
Tax Year:
2025
Association Fee:
$503.8
Association Fee Frequency:
Monthly
Association Fee 2nd HOA:
$1,622.22
Association Fee 2nd HOA Frequency:
Monthly
Total Annual Fees:
$25,512.24
Total Monthly Fees:
$2,126.02
Parking
Parking Features:
Driveway, Open, Electric Vehicle Charging Station(s), Ground Level, Off Street
Utilities
Sewer:
Public Sewer
Utilities Available:
Underground Utilities, Phone Available, Electricity Connected, Sewer Connected, Water Connected, Propane, Private
Water Source:
Public
Community
Association
Minimum Lease Term:
1-7 Days
Pets Allowed?:
There is a limit on the number of pets allowed, Dogs Ok
Number of Pets Allowed:
2
Lease Number Times per Year Allowed:
180
Subdivision Name:
USEPPA VILLAGE
Community Features:
Street Lights
Association Name:
Not Applicable
Senior Community:
No
Association Fee Required:
Required
Number of Ownership Years Prior To Lease:
0
Association Management:
Evelyn
Association Phone:
239-283-1061
2nd Association Management:
Useppa Island Partners LLC
Terms
Listing Terms Considered by Seller:
Cash
Occupant Type:
Owner
Buyer Possession:
Close Of Escrow
Lease Considered:
Yes
Zoning and Legal
Tax Legal Description:
USEPPA VILLAGE W 1/2 LOT 10 AS DESC IN OR 1570 PG 1214
Real Estate Folio Number (Parcel Number):
09-44-21-02-00010.00A0
Zoning:
RM-2
Title to the property is held by owner as:
Fee Simple
Listing History
Originally published on:
March 25, 2026 9:24 pm
Active on the market since:
March 25, 2026
Listing Agreement executed on:
March 25, 2026
Listing Status Last Changed On:
March 25, 2026 9:24 pm
Photos updated on:
March 25, 2026 9:26 pm
Last Modified:
March 26, 2026 1:32 am
Additional Information
Association Approval Required
Courtesy of:
UIP PROPERTY COMPANY LLC
Attribution:
239-410-7850
Road Surface Type:
Gravel
Location
Street Name:
USEPPA ISLAND
Street Number:
520
City:
CAPTIVA
State:
Florida
Zip Code:
33924
County:
Lee
Latitude:
N26° 39' 44.2''
Longitude:
W83° 47' 5''
Property Map

Neighborhood Stats

Source: U.S. Census Bureau, ACS 5-Year Estimates

Median Household Income N/A
Median Home Value N/A
Median Rent N/A/mo
Median Age 37
Population 139

Want to schedule an in-person or virtual tour? Have questions?

Want to schedule an in-person or virtual tour? Have questions?
Schedule a Tour or Ask a Question


Mortgage Calculator

Please note: Monthly HOA / Condo Fees Not Included. The calculator shows the listing price as home value. Update all fields at your convenience.

Calculate Your Mortgage Payment

$.00
$.00
6.5
30

Taxes and Insurance

$.00
$.00
%

Financial Analysis

%

%

$

$

$

$

$
Ver la Propiedad Ver la propiedad 520 Useppa Island
Association of REALTORS®
Disclaimer: IDX listing information is presented by Rebonus Brokerage LLC for consumer informational purposes only. Listings courtesy of Stellar MLS, as distributed by MLS GRID. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All data is obtained from various sources and may not have been verified by the broker or MLS GRID. Supplied Open House information, if any, is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office or agent presenting the information. The data is deemed reliable but is not guaranteed by MLS GRID. Use of MLS GRID data may be subject to an end user license agreement prescribed by the applicable MLS and as amended from time to time. Some IDX listings have been excluded from this website. This page presents structured listing information sourced directly from the MLS via the RESO Web API feed. Rebonus prioritizes maximum field coverage and data completeness, displaying the most granular MLS-provided attributes available. Based on information submitted to MLS GRID as of March 26, 2026, 1:32 AM.